How much cash is sitting in your stock?

Four numbers from your accounts show what your stock cover is today, what it would be at a target you choose, and the cash and yearly cost tied up in the difference.

Annual cost of sales (£)

From your last full-year accounts.

Stock value today (£)

Raw materials, work in progress and finished goods, at cost.

Target stock cover (days)

Cost of funds (% a year)

What borrowing costs you, all in. We start at 7%.

Other holding costs (% a year)

Storage, insurance, handling and write-downs. We start at 8%; use your own if you know it.

This is an estimate from four numbers, not a stock review. Nothing you type is sent anywhere unless you choose to send it with the form.

Your estimate

Enter your annual cost of sales and today's stock value to see the cash tied up in stock.

Stock cover today

Target stock cover

Stock value at target

Cash you could release

Yearly cost of holding that cash in stock

of which interest at your cost of funds

How it works

The sums, in plain sight.

Stock cover in days is your stock value divided by annual cost of sales, times 365. The stock you would hold at your target is cost of sales times the target days, divided by 365. The difference is the cash you could release.

The yearly cost of holding it is that cash times your cost of funds plus other holding costs. Change any assumption to match your business.

Read: where the cash hides in your stock

Want the real number?

A stock review shows where the cash actually sits, line by line. BankStreet takes its fee from verified cash released.

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